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Bank of China's net profit rose 4.99% yoy to CNY 63,083 mil in 2Q2019

By Helgi Library - October 14, 2019

Bank of China made a net profit of CNY 63,083 mil under revenues of CNY 138,264 mil in the second quarter of 2019, up 4.99% and ...

Bank of China's net profit rose 4.99% yoy to CNY 63,083 mil in 2Q2019

By Helgi Library - October 14, 2019

Bank of China made a net profit of CNY 63,083 mil under revenues of CNY 138,264 mil in the second quarter of 2019, up 4.99% and ...

Bank of China's capital adequacy ratio rose 11.2% yoy to 15.3% in 2Q2019

By Helgi Library - October 14, 2019

Bank of China's capital adequacy ratio reached 15.3% at the end of second quarter of 2019, up from 15.0% when compared to the pre...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	CNY mil	307,102	340,086	361,624
Net Fee Income	CNY mil	88,664	88,691	87,208
Other Income	CNY mil	66,362	58,033	64,661
Total Revenues	CNY mil	462,128	486,810	513,493
Operating Profit	CNY mil	300,234	312,051	346,211
Provisions	CNY mil	86,775	84,025	107,905
Net Profit	CNY mil	164,578	172,407	180,086

Balance Sheet		2016	2017	2018
Interbank Loans	CNY mil	1,176,500	1,060,500	1,405,500
Customer Loans	CNY mil	9,735,600	10,644,300	11,515,800
Total Assets	CNY mil	18,148,900	19,467,400	21,267,300
Shareholders' Equity	CNY mil	1,487,100	1,576,700	1,725,400
Interbank Borrowing	CNY mil	2,683,900	3,091,400	3,606,900
Customer Deposits	CNY mil	12,939,700	13,657,900	14,883,600
Issued Debt Securities	CNY mil	295,936	399,557	473,309

Ratios		2016	2017	2018
ROE	%	11.6	11.3	10.9
ROA	%	0.941	0.917	0.884
Costs (As % Of Assets)	%	0.926	0.929	0.821
Costs (As % Of Income)	%	35.0	35.9	32.6
Capital Adequacy Ratio	%	14.3	14.2	15.0
Net Interest Margin	%	1.76	1.81	1.78
Loans (As % Of Deposits)	%	75.2	77.9	77.4
NPLs (As % Of Loans)	%	1.49	1.48	1.43
Provisions (As % Of NPLs)	%	160	157	179

Valuation		2016	2017	2018
Price/Earnings (P/E)		6.66	7.69	5.52
Price/Book Value (P/BV)		0.737	0.840	0.576
Earnings Per Share (EPS)	CNY	0.559	0.586	0.612
Book Value Per Share	CNY	5.05	5.36	5.86

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summary	Unit	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	CNY mil										257,299	284,128	321,798	329,415	307,102
Total Revenues	CNY mil										369,424	412,168	461,327	477,250	462,128
Operating Profit	CNY mil										209,695	239,854	283,539	292,579	300,234
Net Profit	CNY mil										139,656	156,911	169,595	170,509	164,578
balance sheet
Interbank Loans	CNY mil										1,150,400	1,133,100	1,130,200	1,007,900	1,176,500
Customer Loans	CNY mil										6,710,000	7,439,700	8,294,700	8,935,200	9,735,600
Debt Securities	CNY mil										2,378,200	2,617,100	2,923,600	3,795,100	4,156,000
Total Assets	CNY mil										12,680,600	13,874,300	15,251,400	16,815,600	18,148,900
Shareholders' Equity	CNY mil										861,542	961,477	1,183,400	1,357,600	1,487,100
Interbank Borrowing	CNY mil										2,007,700	2,163,900	2,461,100	2,691,900	2,683,900
Customer Deposits	CNY mil										9,174,000	10,097,800	10,885,200	11,742,500	12,939,700
Issued Debt Securities	CNY mil										221,741	182,224	201,255	221,584	295,936
ratios
ROE	%										17.3	17.2	15.8	13.4	11.6
ROA	%										1.14	1.18	1.16	1.06	0.941
Costs (As % Of Assets)	%										1.30	1.30	1.22	1.15	0.926
Costs (As % Of Income)	%										43.2	41.8	38.5	38.7	35.0
Capital Adequacy Ratio	%	...									13.6	12.5	13.9	14.1	14.3
Net Interest Margin	%										2.10	2.14	2.21	2.05	1.76
Interest Income (As % Of Revenues)	%										69.6	68.9	69.8	69.0	66.5
Fee Income (As % Of Revenues)	%										18.9	19.9	19.8	19.4	19.2
Equity (As % Of Assets)	%										6.79	6.93	7.76	8.07	8.19
Loans (As % Of Deposits)	%										73.1	73.7	76.2	76.1	75.2
Loans (As % Assets)	%										52.9	53.6	54.4	53.1	53.6
NPLs (As % Of Loans)	%	...	...	...							0.970	0.978	1.21	1.46	1.49
Provisions (As % Of NPLs)	%	...	...	...							232	226	183	151	160
valuation
Market Capitalisation (End Of Period)	USD mil	...	...	...							103,690	96,194	150,531	140,301	126,707
Number Of Shares (Average)	mil										279,127	279,156	280,009	293,722	294,376
Share Price (End Of Period)	HKD	...	...	...							2.88	2.67	4.17	3.70	3.34
Earnings Per Share (EPS)	CNY										0.500	0.562	0.606	0.581	0.559
Book Value Per Share	CNY										3.09	3.44	4.23	4.62	5.05
Price/Earnings (P/E)		...	...	...							7.16	6.09	8.60	7.61	6.66
Price/Book Value (P/BV)		...	...	...							1.16	0.994	1.23	0.956	0.737
Earnings Per Share Growth	%	...									12.4	12.3	7.75	-4.15	-3.69
Book Value Per Share Growth	%	...									13.8	11.6	22.7	9.36	9.30

income statement	Unit	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	CNY mil										506,863	519,538	603,376	615,821	567,193
Interest Cost	CNY mil										249,564	235,410	281,578	286,406	260,091
Net Interest Income	CNY mil										257,299	284,128	321,798	329,415	307,102
Net Fee Income	CNY mil										69,923	82,092	91,240	92,410	88,664
Other Income	CNY mil										42,202	45,948	48,289	55,425	66,362
Total Revenues	CNY mil										369,424	412,168	461,327	477,250	462,128
Operating Cost	CNY mil										159,729	172,314	177,788	184,671	161,894
Operating Profit	CNY mil										209,695	239,854	283,539	292,579	300,234
Provisions	CNY mil										19,086	22,938	46,606	55,872	86,775
Extra and Other Cost	CNY mil										2,936	4,139	5,455	5,136	-8,953
Pre-Tax Profit	CNY mil										187,673	212,777	231,478	231,571	222,412
Tax	CNY mil										41,927	49,036	54,280	52,154	38,361
Minorities	CNY mil										6,090	6,830	7,603	8,572	19,473
Net Profit	CNY mil										139,656	156,911	169,595	170,509	164,578
growth rates
Net Interest Income Growth	%	...									12.7	10.4	13.3	2.37	-6.77
Net Fee Income Growth	%	...									8.14	17.4	11.1	1.28	-4.05
Total Revenue Growth	%	...									11.5	11.6	11.9	3.45	-3.17
Operating Cost Growth	%	...									13.5	7.88	3.18	3.87	-12.3
Operating Profit Growth	%	...									10.0	14.4	18.2	3.19	2.62
Pre-Tax Profit Growth	%	...									11.3	13.4	8.79	0.040	-3.96
Net Profit Growth	%	...									12.4	12.4	8.08	0.539	-3.48
market share
Market Share in Revenues	%	...	...	...	...	...	...	...			11.7	11.5	11.0	10.3	9.84		...
Market Share in Net Profit	%	...	...	...	...						9.24	...	...	...	...	...	...
Market Share in Employees	%	...	...	...	...	...	...	...		...	...	...	...	...	...	...	...

balance sheet	Unit	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	CNY mil										2,006,800	2,214,300	2,391,200	2,269,400	2,349,200
Interbank Loans	CNY mil										1,150,400	1,133,100	1,130,200	1,007,900	1,176,500
Customer Loans	CNY mil										6,710,000	7,439,700	8,294,700	8,935,200	9,735,600
Retail Loans	CNY mil										1,884,300	2,168,500	2,437,700	2,765,900	3,404,400
Mortgage Loans	CNY mil	...	...	...	...	...	...				1,348,400	1,506,300	1,694,300	2,045,800	2,636,000
Consumer Loans	CNY mil	...	...	...	...	...	...				535,900	662,200	743,400	720,100	768,400
Corporate Loans	CNY mil										4,980,400	5,439,300	6,045,600	6,369,900	6,569,000
Debt Securities	CNY mil										2,378,200	2,617,100	2,923,600	3,795,100	4,156,000
Fixed Assets	CNY mil										164,478	173,769	187,367	198,334	211,912
Total Assets	CNY mil										12,680,600	13,874,300	15,251,400	16,815,600	18,148,900
Shareholders' Equity	CNY mil										861,542	961,477	1,183,400	1,357,600	1,487,100
Of Which Minority Interest	CNY mil										36,865	37,561	42,569	52,659	75,410
Liabilities	CNY mil										11,819,100	12,912,800	14,068,000	15,458,000	16,661,800
Interbank Borrowing	CNY mil										2,007,700	2,163,900	2,461,100	2,691,900	2,683,900
Customer Deposits	CNY mil										9,174,000	10,097,800	10,885,200	11,742,500	12,939,700
Sight Deposits	CNY mil										4,141,400	4,471,100	4,511,000	5,223,500	6,111,300
Term Deposits	CNY mil										5,032,600	5,626,700	6,374,200	6,519,000	6,828,400
Issued Debt Securities	CNY mil										221,741	182,224	201,255	221,584	295,936
Other Liabilities	CNY mil										415,617	468,899	520,445	802,016	742,264
asset quality
Non-Performing Loans	CNY mil	...	...	...							66,572	74,442	102,783	132,967	148,778
Gross Loans	CNY mil										6,864,700	7,607,800	8,483,300	9,135,900	9,973,400
Total Provisions	CNY mil										154,656	168,049	188,531	200,665	237,716
growth rates
Customer Loan Growth	%	...									8.17	10.9	11.5	7.72	8.96
Retail Loan Growth	%	...									16.5	15.1	12.4	13.5	23.1
Mortgage Loan Growth	%	...	...	...	...	...	...	...			11.1	11.7	12.5	20.7	28.8
Consumer Loan Growth	%	...	...	...	...	...	...	...			32.6	23.6	12.3	-3.13	6.71
Corporate Loan Growth	%	...									5.40	9.21	11.1	5.36	3.13
Total Asset Growth	%	...									7.19	9.41	9.93	10.3	7.93
Shareholders' Equity Growth	%	...									13.8	11.6	23.1	14.7	9.54
Customer Deposit Growth	%	...									4.04	10.1	7.80	7.88	10.2
market share
Market Share in Customer Loans	%										9.97	9.34	9.19	8.50	8.35
Market Share in Total Assets	%										9.49	9.10	8.86	8.44	7.88
Market Share in Customer Deposits	%										9.73	24.2	24.1	20.6	18.2

ratios	Unit	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%										17.3	17.2	15.8	13.4	11.6
ROA	%										1.14	1.18	1.16	1.06	0.941
Costs (As % Of Assets)	%										1.30	1.30	1.22	1.15	0.926
Costs (As % Of Income)	%										43.2	41.8	38.5	38.7	35.0
Capital Adequacy Ratio	%	...									13.6	12.5	13.9	14.1	14.3
Tier 1 Ratio	%	...									10.5	9.70	11.4	12.1	12.3
Net Interest Margin	%										2.10	2.14	2.21	2.05	1.76
Interest Spread	%	...									1.96	2.01	2.06	1.90	1.62
Asset Yield	%										4.14	3.91	4.14	3.84	3.24
Cost Of Liabilities	%	...									2.18	1.90	2.09	1.94	1.62
Interest Income (As % Of Revenues)	%										69.6	68.9	69.8	69.0	66.5
Fee Income (As % Of Revenues)	%										18.9	19.9	19.8	19.4	19.2
Other Income (As % Of Revenues)	%										11.4	11.1	10.5	11.6	14.4
Equity (As % Of Assets)	%										6.79	6.93	7.76	8.07	8.19
Loans (As % Of Deposits)	%										73.1	73.7	76.2	76.1	75.2
Loans (As % Assets)	%										52.9	53.6	54.4	53.1	53.6
NPLs (As % Of Loans)	%	...	...	...							0.970	0.978	1.21	1.46	1.49
Provisions (As % Of NPLs)	%	...	...	...							232	226	183	151	160
Provisions (As % Of Loans)	%										2.30	2.26	2.27	2.25	2.44
Cost of Provisions (As % Of Loans)	%										0.296	0.324	0.592	0.649	0.930

other data	Unit	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees											302,016	305,675	308,128	310,042	308,900
Sight (As % Of Customer Deposits)	%										45.1	44.3	41.4	44.5	47.2
On-balance Sheet Loans	RMB mil	...	...	...	...	...	...	...	...	...	...	7,439,700	8,294,700	8,935,200	9,735,600

Institutional Sign In

Bank of China

Bank of China's net profit rose 4.99% yoy to CNY 63,083 mil in 2Q2019

Bank of China's net profit rose 4.99% yoy to CNY 63,083 mil in 2Q2019

Bank of China's capital adequacy ratio rose 11.2% yoy to 15.3% in 2Q2019

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Inpost - Workforce

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Inpost - Profit Margins

Inpost - Price to Earnings & EV/EBITDA

Inpost - Stock Price & Market Capitalization

Bank of China's capital adequacy ratio rose 11.2% yoy to 15.3% in 2Q2019

Bank of China's customer deposits rose 10.3% yoy to CNY 12,939,700 mil in 4Q2016

Bank of China's customer deposits rose 10.3% yoy to CNY 12,939,700 mil in 4Q2016

Bank of China's npls (as % of loans) fell 2.38% yoy to 1.42% in 2Q2019

Bank of China's npls (as % of loans) fell 2.38% yoy to 1.42% in 2Q2019

Bank of China's corporate loans rose 6.06% yoy to CNY 7,501,100 mil in 2Q2019

Bank of China's corporate loans rose 6.06% yoy to CNY 7,501,100 mil in 2Q2019

Bank of China's net interest margin fell 3.93% yoy to 1.68% in 2Q2019

Bank of China's net interest margin fell 3.93% yoy to 1.68% in 2Q2019

Bank of China's price/earnings (P/E) fell 18.6% yoy to 5.25 in 2Q2019

Finance

Valuation

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